due to its holding cancer bond now on default payment

You are at the wrong page..

sorry wrongly posting here

It does not have such risk when you are not the type of greedy and dream for sky returns in Forex. Forex Industry actually are not that kind of risky investment, it is just because of those so called trader who provide some dream to their investor. Even you walk in to Bank and give your hard earned money to them as FD or Unit Trust or bla bla bla, a return of 8% maybe, they are still doing the same thing putting in Forex also. It is the matter of how you count the maths to control on risk.

Just my point of view.

It is absolutely wrong when you think Stock Market is more risky than Forex. Why say so? It is easy to manipulate a listed company because they are capped with a figures according on their limited assets value and equities. According to 2013 figures, Forex Daily Turnover has reaches up to USD 5.3 Trillion. It is the matter of how you do the Money and Risk Management to make assumption on the risk, not the product.

Just my point of view.

You only do forex investment?

I have went through 12 years in Financial Field. On my mid of 20s, I loss my 1st MYR 100k to the stupid manipulation of Stock Market. By that time, there are still something like 1st Board and 2nd Board. Not sure about now, because I swear I will never touch those damn Stock Market again. It is just some rich people game, except you just invest your money at those maybe PBB, MAYBANK, GENTING, AIRASIA, AEON, other than that just get the fxck off from the game.

Back to question. I do more on Financial Industries now. Forex is one of my main income. I am a signal provider on a worldwide well known website, managing fund, funder to really capable trader. Other also almost same, and all related to Forex Market too.

Hi all, sifu or no c-foo.

I'have been lurking in this forum for quite some time. Thanks to all contributors, I have gained some knowledge on investment, especially about unit trust. So, I have decided to try it out. So far, I am interested in signing up for CIMB Click einvest smart (the 60% in UT, 40% in FD thing). Here are the breakdown on my so called plan.

RM 5000 FD
RM 2000 CIMB Islamic Enhanced Sukuk
RM 1000 RHB Islamic Bond
RM 500 Pacific Danan Dividend
RM 1000 AmPrecious Metal
RM 1000 Hwang DBS Aiiman
RM 500 CIMB Islamic Equity Aggressive
RM 500 CIMB Islamic Asia Pacific Equity
RM 1000 Eastspring Investment Asia Pasific Shariah Equity.

My target is a 5 years investment with roi around 80% - 90%. I humbly ask for any advice or opinion. Thank You Very Much.

15-20% p.a.? Good luck, u gonna need it

Thanks for the feedback. Could you please suggest more realistic rate?

i would say, with yr stated portfolio...it would be rough estimate of about 6~7% p.a X 5 yrs = 35% BEST.
bcos...
invested RM 12500 x 7% = RM 875
in it, 40% FD at RM 5000 at 3.3% pa BEST (RM 165)
RM 875 - RM 165 = RM 710
60% UT at RM 7500 needed to generate RM 710 is about 9% average.
out of this 60%...26% of it (Cimb Islamic Enhanced sukuk) is historically generated about 5.3%p.a
26% of RM 7500 = RM 2000 is at 5.3%pa. = RM 106
RM 710 - RM 106 = RM 604 is to be generated by a returns from 34% UT (RM 5500) which would be about 10.6% pa

check out the historical performance trends of the other funds in yr intended portfolio to see how it goes.

BUT it can go both ways...past performance MAY not guarantee of future performance.

This post has been edited by yklooi: Apr 29 2014, 09:13 AM

Thanks for the guidance.

UT is a relatively passive investment.

I'd say, to be realistic, as long as your portfolio as a whole beats EPF returns, it's considered decent already.

Do you know you can grow your money from 100k to 1.6m?with the right strategy yes you can,pm me for more info on my portfolio.

Best regards,

Sam

same fler that's selling BS earlier - cherry picking data
https://forum.lowyat.net/topic/2601692/+1248

The risk is not in the markets but the companies... lots of complaints about claims not being honored.

Or you know, they could just sign up with fsm or eunittrust and pay a lot less in commissions

cimb UT ok? profitable?

Probably I should agree that. But 1 scenario always occurs. When all those speculations says the market are very hot with put money and take money statement, that's the time you should go away. If you notice, every moment just before market crash usually full of excellent news to lure in those citizen investor no matter on Business News, Magazine or even Newspaper. I don't know whether you guys play or heard about "JENGA" game before. To me, Stock Market no difference with this kind of game. The Rich People put some money 1st to create whenever stories or picture to let those small investor start pulling some stick to put it on top (meaning price are going higher and higher). So once the stick below are getting lesser and lesser, that means it is ready to collapse. What happen next? I think not need me to explain.

Probably you can have some entertainment and education on TVB DRAMA SERIES (The Money-Maker Recipes) back couple years ago by those Hongkies. It is just the same story in True Life Stock Market.

This post has been edited by tdoptions1689: May 3 2014, 02:32 PM

With your ROI, your should put 90% into equities UT. And hope next 5 years will be a bull market.